The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$93,082
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$95,978
−HK$2,941/mo
Today · 4.125%
HK$98,919
baseline
▲ 0.50% · 4.625%
HK$104,938
+HK$6,019/mo
Deposit HK$20.41M · loan HK$20.41M · min. income ≈ HK$197,838/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,734,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,553
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$106,330
−HK$2,818/mo
Today · 4.125%
HK$109,148
baseline
▲ 0.50% · 4.625%
HK$114,901
+HK$5,753/mo
Deposit HK$20.41M · loan HK$20.41M · min. income ≈ HK$218,296/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,734,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,699
−HK$7,004/mo
▼ 0.25% · 3.875%
HK$115,173
−HK$3,530/mo
Today · 4.125%
HK$118,703
baseline
▲ 0.50% · 4.625%
HK$125,926
+HK$7,223/mo
Deposit HK$16.33M · loan HK$24.49M · min. income ≈ HK$237,406/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,264
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$127,596
−HK$3,381/mo
Today · 4.125%
HK$130,977
baseline
▲ 0.50% · 4.625%
HK$137,881
+HK$6,904/mo
Deposit HK$16.33M · loan HK$24.49M · min. income ≈ HK$261,954/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,315
−HK$8,172/mo
▼ 0.25% · 3.875%
HK$134,369
−HK$4,118/mo
Today · 4.125%
HK$138,487
baseline
▲ 0.50% · 4.625%
HK$146,914
+HK$8,427/mo
Deposit HK$12.25M · loan HK$28.57M · min. income ≈ HK$276,974/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,734,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,974
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$148,862
−HK$3,945/mo
Today · 4.125%
HK$152,807
baseline
▲ 0.50% · 4.625%
HK$160,861
+HK$8,054/mo
Deposit HK$12.25M · loan HK$28.57M · min. income ≈ HK$305,614/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,734,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,548
−HK$10,507/mo
▼ 0.25% · 3.875%
HK$172,760
−HK$5,295/mo
Today · 4.125%
HK$178,055
baseline
▲ 0.50% · 4.625%
HK$188,889
+HK$10,834/mo
Deposit HK$4.08M · loan HK$36.74M · min. income ≈ HK$356,110/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,734,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,395
−HK$10,071/mo
▼ 0.25% · 3.875%
HK$191,394
−HK$5,072/mo
Today · 4.125%
HK$196,466
baseline
▲ 0.50% · 4.625%
HK$206,822
+HK$10,356/mo
Deposit HK$4.08M · loan HK$36.74M · min. income ≈ HK$392,932/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,734,890 · Scale 2, in force from 26 Feb 2026)